Affirm is a U.S.-based financial technology company that provides buy now, pay later (BNPL) payment solutions designed to offer consumers transparent and flexible alternatives to traditional credit. Founded in 2012 by PayPal co‑founder Max Levchin, the company’s mission is to deliver honest financial products that improve lives by eliminating hidden fees and enabling responsible access to credit. Affirm allows customers to split purchases into fixed monthly payments, with clear interest terms and no late fees, directly integrated into online and in‑store checkout experiences.
Headquartered in San Francisco, California, Affirm has grown into a major player in the global fintech and consumer payments ecosystem, employing thousands of people and partnering with major retailers and platforms. Its technology powers installment payments for companies such as Amazon, Shopify, Walmart, and Peloton, helping merchants increase conversion and provide flexible payment options to shoppers. Affirm went public on the NASDAQ in 2021 under the ticker AFRM and continues to expand its network of merchants, banking partners, and financial services offerings, including savings accounts and debit products.
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